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Oak Ridge Financial Services, Inc. BKOR

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32.00 USD 0.00 (+0.00%)

At closeNov 4, 2026, 4:00 PM EST

32.00 Day range 32.00
27.75 52-week range 33.00
YTD
+7.74%
1 year
+14.29%

Financial health

Altman Z-Score

0.32 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 2
  • P/E 3
  • P/B 3

Valuation

P/E 10.2×
FY 2016: 11.0×FY 2017: 12.1×FY 2018: 8.2×FY 2019: 9.8×FY 2020: 10.8×FY 2021: 6.2×FY 2022: 7.9×FY 2023: 7.8×FY 2024: 10.0×FY 2025: 10.2×
FY 2016 5y median 7.9× FY 2025
P/S 1.8×
FY 2016: 1.6×FY 2017: 1.7×FY 2018: 1.4×FY 2019: 1.7×FY 2020: 1.4×FY 2021: 1.8×FY 2022: 1.9×FY 2023: 1.3×FY 2024: 2.2×FY 2025: 1.8×
FY 2016 5y median 1.8× FY 2025
P/B 1.1×
FY 2016: 1.1×FY 2017: 1.1×FY 2018: 0.9×FY 2019: 1.0×FY 2020: 0.8×FY 2021: 0.9×FY 2022: 1.0×FY 2023: 0.8×FY 2024: 0.9×FY 2025: 1.1×
FY 2016 5y median 0.9× FY 2025
P/FCF 11.6×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 11.8×FY 2020: 8.2×FY 2021: 6.4×FY 2022: 5.9×FY 2023: 6.3×FY 2024: 10.6×FY 2025: 11.6×
FY 2016 5y median 6.4× FY 2025
EV/EBITDA 10.3×
FY 2016: 9.7×FY 2017: 9.0×FY 2018: 8.9×FY 2019: 8.1×FY 2020: 9.0×FY 2021: -1.7×FY 2022: 5.2×FY 2023: 7.1×FY 2024: 9.0×FY 2025: 10.3×
FY 2016 5y median 7.1× FY 2025
EV/Sales 2.7×
FY 2016: 1.9×FY 2017: 1.9×FY 2018: 1.9×FY 2019: 2.0×FY 2020: 1.9×FY 2021: -0.7×FY 2022: 1.9×FY 2023: 1.8×FY 2024: 3.0×FY 2025: 2.7×
FY 2016 5y median 1.9× FY 2025
FCF Yield 8.6%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 8.5%FY 2020: 12.2%FY 2021: 15.6%FY 2022: 16.9%FY 2023: 15.8%FY 2024: 9.4%FY 2025: 8.6%
FY 2016 5y median 15.6% FY 2025

Profitability

Gross Margin 66.3%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 77.8%FY 2020: 82.0%FY 2021: 91.4%FY 2022: 91.5%FY 2023: 73.4%FY 2024: 100.0%FY 2025: 66.3%
FY 2016 5y median 91.4% FY 2025
Operating Margin 23.4%
FY 2016: 21.2%FY 2017: 22.5%FY 2018: 22.3%FY 2019: 20.8%FY 2020: 15.7%FY 2021: 35.7%FY 2022: 29.8%FY 2023: 20.9%FY 2024: 37.2%FY 2025: 23.4%
FY 2016 5y median 29.8% FY 2025
Net Margin 18.1%
FY 2016: 14.0%FY 2017: 14.3%FY 2018: 17.4%FY 2019: 17.0%FY 2020: 12.9%FY 2021: 28.3%FY 2022: 23.7%FY 2023: 16.2%FY 2024: 22.1%FY 2025: 18.1%
FY 2016 5y median 22.1% FY 2025
ROE 11.2%
FY 2016: 9.7%FY 2017: 9.3%FY 2018: 11.6%FY 2019: 10.5%FY 2020: 7.3%FY 2021: 15.1%FY 2022: 12.7%FY 2023: 9.8%FY 2024: 9.0%FY 2025: 11.2%
FY 2016 5y median 11.2% FY 2025
ROIC 5.4%
FY 2016: 0.8%FY 2017: 0.8%FY 2018: 1.1%FY 2019: 0.9%FY 2020: 0.6%FY 2021: 1.7%FY 2022: 6.2%FY 2023: 4.6%FY 2024: 1.9%FY 2025: 5.4%
FY 2016 5y median 4.6% FY 2025
ROA 1.2%
FY 2016: 0.7%FY 2017: 0.7%FY 2018: 0.9%FY 2019: 0.9%FY 2020: 0.6%FY 2021: 1.3%FY 2022: 1.1%FY 2023: 0.9%FY 2024: 0.9%FY 2025: 1.2%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 72.7%
FY 2016: 0.4%FY 2017: 7.6%FY 2018: 13.3%FY 2019: 9.4%FY 2020: 0.9%FY 2021: 8.5%FY 2022: 2.5%FY 2023: 25.9%FY 2024: -27.5%FY 2025: 72.7%
FY 2016 FY 2025
Operating Income 8.6%
FY 2016: -17.3%FY 2017: 14.3%FY 2018: 12.1%FY 2019: 2.2%FY 2020: -23.7%FY 2021: 146.5%FY 2022: -14.5%FY 2023: -11.7%FY 2024: 29.2%FY 2025: 8.6%
FY 2016 FY 2025
EPS (diluted) 41.7%
FY 2016: -17.9%FY 2017: 9.9%FY 2018: 36.9%FY 2019: 6.6%FY 2020: -24.1%FY 2021: 136.6%FY 2022: -15.1%FY 2023: -15.0%FY 2024: -1.9%FY 2025: 41.7%
FY 2016 FY 2025
Free Cash Flow 30.1%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 21.6%FY 2021: 76.8%FY 2022: 17.3%FY 2023: -20.2%FY 2024: -23.9%FY 2025: 30.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.3×FY 2019: 89.1×FY 2020: 170×FY 2021: 0.8×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.0×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.3×FY 2019: 178×FY 2020: 170×FY 2021: 1.5×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.7×
FY 2016: 1.0×FY 2017: 1.1×FY 2018: 0.9×FY 2019: 0.8×FY 2020: 0.8×FY 2021: 0.4×FY 2022: 0.9×FY 2023: 0.7×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA 3.3×
FY 2016: 1.9×FY 2017: 0.9×FY 2018: 2.2×FY 2019: 1.3×FY 2020: 2.5×FY 2021: -6.0×FY 2022: -0.1×FY 2023: 2.1×FY 2024: 2.2×FY 2025: 3.3×
FY 2016 5y median 2.1× FY 2025
Interest Coverage 0.8×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.9×FY 2020: 0.9×FY 2021: 4.1×FY 2022: 3.5×FY 2023: 0.8×FY 2024: 0.7×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025

Dividends

Dividend Yield 2.4%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 1.3%FY 2020: 1.8%FY 2021: 1.5%FY 2022: 1.6%FY 2023: 2.3%FY 2024: 2.2%FY 2025: 2.4%
FY 2016 5y median 2.2% FY 2025
Payout Ratio 24.1%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 12.4%FY 2020: 19.5%FY 2021: 9.3%FY 2022: 12.5%FY 2023: 18.1%FY 2024: 22.3%FY 2025: 24.1%
FY 2016 5y median 18.1% FY 2025

Annual · latest fiscal year ends 2025-12-31